Business Banking Relationship Manager

Bank of Montreal•San Francisco, CA

About The Position

Cultivates, builds, and manages relationships with a portfolio of small business clients to generate new business, increase market share, retain customers, and expand existing relationships. Applies consultative sales and business development practices to identify prospective clients, build referral networks, cross-sell suitable products and services, and provide financial solutions that meet customer goals. Delivers responsive customer service and develops credibility and trust through expertise and support. The role develops and executes business and relationship-management plans, understands the local market, and maintains long-term profitable relationships. It also analyzes data and performance, makes recommendations, supports operational and change-management programs, coordinates databases in accordance with governance standards, and provides advice on implementing solutions. The position follows bank security, confidentiality, due-diligence, risk-management, regulatory, and ethical requirements. Work is primarily focused on a business group within BMO, with potential for broader enterprise-wide scope; independent judgment is exercised across complex tasks.

Requirements

Typically 4–6 years of relevant experience.
Post-secondary degree in a related field of study, or an equivalent combination of education and experience.
Strong financial analysis skills, including interpreting financial statements, assessing creditworthiness, and providing actionable insights to support business growth and mitigate risk.
Strong knowledge of business banking products, lending processes, loan documentation, and related policies, procedures, and technologies.
Strong experience in customer sales and service.
Technical proficiency gained through education and/or business experience.
In-depth verbal and written communication skills.
In-depth collaboration and team skills.
In-depth analytical and problem-solving skills.
In-depth influence skills.
In-depth data-driven decision-making skills.

Responsibilities

Build and manage relationships with a portfolio of small business clients to generate new business and increase market share.
Identify prospective customers, generate appointments and sales opportunities, and execute strategies to attract new clients and expand existing relationships.
Develop internal and external networks, referral sources, and relationships with local centres of influence.
Create and execute business and relationship-management plans to achieve growth and customer-retention objectives.
Cross-sell products and services, answer inquiries about business banking, and recommend financial solutions that meet customer needs and goals.
Provide responsive customer service, build client trust, resolve or escalate issues, and maintain profitable long-term relationships while expanding wallet share.
Develop solutions and recommendations based on business strategy, stakeholder needs, and analysis of data and information.
Advise and guide assigned business groups on implementing solutions.
Monitor and track performance, identify issues, and provide insights and recommendations.
Coordinate databases and ensure data alignment and integration in accordance with data-governance standards.
Build change-management plans and lead or participate in readiness assessments, planning, stakeholder management, execution, evaluation, and sustainment activities.
Contribute to operational program planning and implementation, and support the development and promotion of business or group programs.
Deliver timely, accurate, and efficient work.
Follow security, safeguarding, confidentiality, due-diligence, regulatory, and ethical procedures to protect customer and bank information and prevent loss.
Identify risks and take appropriate actions, including completing documentation and other regulatory requirements to maintain operational integrity.
Apply BMO’s Risk Management Framework and make sound, risk-informed decisions consistent with business strategy, approved risk appetite, policies, laws, and regulations.
Exercise judgment to diagnose and solve problems within established rules; work independently on complex tasks and take on broader accountabilities as needed.